Product Owner, Card Programs
Own Flex's card programs end-to-end, scaling from one major program to five-plus across credit, stablecoin, and rewards. Drive processor strategy, network relationships, and operational infrastructure to grow portfolio volume 20x+.
About the job
What you will do
- Own every layer of Flex's card programs: ledger, processing, servicing, fulfillment, BIN sponsor management, network relationships.
- Lead processor strategy and the direct network relationship. Hold vendors accountable. Drive the technical and commercial negotiations.
- Build the operational infrastructure that supports five concurrent card programs across credit, stablecoin, and rewards.
- Architect the path to scale the portfolio by more than 20x. Build the operating model that makes that scale possible without breaking customer experience.
- Recruit the next layer of the card programs team as the function grows. You will tell us who we need to hire and when.
- Translate the technical complexity of card issuing into clear product decisions for the rest of the company.
What you will need
- You have personally spun up at least one card program from scratch as the primary owner.
- Hands-on depth across ledger, processing, servicing, and fulfillment. You know what each of these is, who the vendors are, and where the operational risk lives.
- Deep familiarity with BIN sponsor dynamics, issuer processor mechanics, and card network rules.
- Senior plus. Typically 8 to 12 years of experience.
- You are willing to be the only person on this for a stretch and then build the function around you.
- You can read vendor decks and decide what is real and what is sales theater.
Skills
Card Issuing, Bin Sponsor Management, Issuer Processor Management, Card Network Relationships, Ledger Management, Payment Processing, Card Servicing, Card Fulfillment, Credit Card Programs, Stablecoin Payments
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